| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +4.8% | -2.1 pts |
| Share growth (YoY) | +8.8% | +4.3% | +4.5 pts |
| Loan growth (YoY) | +2.2% | +4.3% | -2.1 pts |
| ROA | 0.89% | 0.62% | +0.3 pts |
| ROE | 9.2% | 5.9% | +3.3 pts |
ROA ranks in the 67th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $931.0M | $795.5M | $747.0M | $89.8M | $2.1M | 0.89% | 3.45% | 0.85% | 39,692 |
| Q4 2025 | $925.7M | $763.0M | $749.7M | $87.8M | $6.8M | 0.73% | 3.27% | 1.13% | 39,695 |
| Q3 2025 | $917.1M | $756.3M | $746.3M | $86.0M | $5.1M | 0.74% | 3.24% | 1.08% | 39,826 |
| Q2 2025 | $914.7M | $751.9M | $733.5M | $84.4M | $3.4M | 0.75% | 3.19% | 1.40% | 39,567 |
| Q1 2025 | $907.3M | $731.3M | $730.8M | $83.7M | $1.6M | 0.69% | 3.14% | 0.95% | 39,175 |
| Q4 2024 | $895.3M | $707.8M | $733.8M | $82.2M | $4.0M | 0.45% | 3.08% | 1.52% | 39,014 |
| Q3 2024 | $900.3M | $702.3M | $737.8M | $80.8M | $2.6M | 0.39% | 3.03% | 1.09% | 38,878 |
| Q2 2024 | $911.4M | $709.5M | $733.8M | $79.4M | $1.3M | 0.27% | 2.96% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.89% | 0.62% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 9.2% | 5.9% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.45% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 1.13% |
| 38,555 |
Loan mix (Q1 2026): real estate $408.1M · commercial $218.5M · consumer $97.1M · securities $86.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.2% | 78.3% | 41th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.